Self-Employed

Trying to get a home loan as a business owner can often feel like you’re being punished for your entrepreneurial spirit. Banks seem to have never-ending lists of request for information to demonstrate that you can afford a loan, with inflexibility regarding your fluctuating income streams.

But that doesn’t mean the dream of buying or building your next dream home or investment is in the “too hard basket”.

At STAC Home – being part of the STAC Capital group that has always had commercial finance at its core – we inherently understand the unique circumstances business owners face, and we’re here to bridge the gap. On top of that, more than half of our home lending customers are business owners – so it’s completely the norm at STAC Home.

We offer a dedicated service for business owners, providing the expertise needed to navigate the complexities of securing a mortgage, whether for your own home or for investment. Here’s what we bring to the table:

1. Understanding You and Your Business: We take the time to understand your business, corporate structures (no matter how complex!) and income sources. This understanding allows us to build a comprehensive financial picture that we can present to lenders in the most favourable light.

2. Specialised Loan Options: With access to a vast array of lenders, beyond the limited “lender panels” that most brokers have, we can identify lenders and loan products specifically designed for business owners. You would be amazed at how different the lending policies of different banks and lenders can be, particularly in regard to business income – it can literally be night & day as to what can be possible. We also have access to numerous low-doc loan options, where providing up-to-date financial reports might not be possible.

3. Navigating the Paperwork: Securing a loan as a business owner often requires additional red-tape and paperwork. We’re here to simplify this process, helping you gather the necessary documents and ensuring everything is in order.

4. Negotiating with Lenders: Armed with an in-depth understanding of your business, corporate structures and cash flows, we short-list banks or lenders that have policies and products that suit your specific circumstances. We then negotiate with lenders on your behalf, striving to secure a loan with competitive rates and suitable terms.

5. Ongoing Support: Our service continues even after your loan is secured. We offer ongoing support to help manage your loan, ensuring it continues to align with your changing business needs and financial goals.

Being entrepreneurial, contributing to the economy and creating jobs for Australia, shouldn’t hold you back from achieving your personal goals. At STAC Home, we’re committed to supporting business owners navigate the home loan process with confidence and ease.

In addition to your home lending needs, because STAC Home is part of the STAC Capital group, we can also help you with all of your other debt financing requirements, including:

• Vehicle & Equipment Finance
• Cashflow Finance
• Import & Trade Finance
• Business Merger & Acquisition Finance
• Commercial & Industrial Property Finance
• Property Development Finance

Get in touch with us now, and one of our brokers experienced in working with business owners, will be in touch to guide you. With STAC Home and STAC Capital, you can count on us to help you realise your property aspirations, regardless of your employment status.